Texas sellers want certainty. Our 21-Day Closing Guarantee puts you at the front of the line across San Antonio, Houston, Dallas, Austin, and statewide — and if we miss our deadline, we credit $1,000 toward closing costs. Walk through our mortgage process or pair this with our Price Match Guarantee.
21
Day Close Guarantee
$1,000
Credit If We Miss
95%+
On-Time Close Rate†
The 21-Day Timeline
Day 1–3
Your file goes straight to underwriting on day one — not into a queue. We front-load the heavy lifting so there are no surprises later.
Day 4–10
We order the appraisal and title search simultaneously on day one. Our preferred vendor network turns appraisals in 3–5 business days — not the industry standard 10–14.
Day 11–17
Conditions are cleared, the CD is issued, and your closing disclosure waiting period begins. We handle all coordination with title, insurance, and third parties.
Day 18–21
You sign, we fund, you get keys. If we miss the 21-day target due to a delay on our end, we credit $1,000 toward your closing costs.
Our Speed Advantage
Your file isn't in a shared queue. A single processor owns your loan from application to funding with a maximum of 8 active files.
Complete files are reviewed within 24 hours of submission — not 3–5 business days like big banks.
We don't just pre-qualify you. We run your full file through underwriting before you even find a home, so there's nothing left to slow you down.
Our appraisers, title companies, and insurance partners are hand-picked for speed and reliability. Average appraisal turnaround: 4 days.
The national average mortgage closing takes 43 days. In Texas, we do it in 21 — see our complete pre-approval guide for what speeds it up, and learn the difference between dry and wet close.
National Average
43 days
Online Lenders
30–35 days
STX Lending
21 days
Get pre-underwritten today and lock in a 21-day close. Sellers love certainty — give them yours, whether you’re using a conventional loan, FHA loan, or VA loan. Stack our Cash Offer Advantage for an even stronger position.
Fast Closing Guarantee Terms: The 21-Day Closing Guarantee applies to conforming, FHA, and VA purchase transactions originated by Neighborhood Loans, Inc. (dba STX Lending) NMLS #222982. The 21-day period begins when STX Lending receives a complete loan application, signed purchase contract, and all required documentation. The $1,000 closing cost credit applies only to delays caused by STX Lending. Delays caused by the borrower, seller, third parties, appraisal disputes, title issues, acts of God, or regulatory holds are excluded. Subject to credit approval. Not available on jumbo, non-QM, construction, or renovation loans. This is not a commitment to lend. Equal Housing Lender. Programs, rates, terms subject to change without notice. †Based on internal STX Lending performance data; past performance does not guarantee future results.